home in Saint Joseph, MO
Set in Saint Joseph, MO, this home provides 2 bedrooms and 1 bathroom across 933 square feet. It sits within the greater St. Louis, MO area.
| Price | $122,000 |
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| Beds | 2 |
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| Baths | 1 |
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| Sqft | 933 |
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| Address | 703 McDonald St, Saint Joseph, MO 64505 |
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Why buy this home
- Links directly to the original source listing on Trulia.
Is this a good buy?
Priced below comparable homes.
- New to market (2 days), so expect competition.
Enzo's reads public listing data and links to the original source. Confirm condition, HOA, taxes and fees there. This is a signal, not advice.
What it costs to own
Estimated at $812/month with 20% down at a 7.28% 30-year fixed rate. You would need about $34,807 in gross annual income to keep housing within a 28% ratio.
| Mortgage (P&I) | $668/mo |
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| Property tax (new-buyer reassessed rate) | $99/mo |
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| Homeowners insurance | $46/mo |
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| Total monthly | $812/mo |
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| Down payment (20%) | $24,400 |
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| Income needed | $34,807/yr |
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A signal to compare homes, not financial advice or a loan offer.
Financial outlook (modeled)
Enzo's grades this home C (57 out of 100) over a 5-year hold, from a Monte-Carlo of local home-price dynamics and the interest-rate path versus renting.
| Grade | C (57/100) |
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| Beats renting in | 9% of modeled paths |
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| Modeled 5-yr equity (median) | $52,717 |
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| Range (10th to 90th pct) | $30,071 to $79,552 |
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A probabilistic model built on public data (Zillow ZHVI, FRED rates), not a guarantee or financial advice. Local price dynamics are pooled toward St. Louis, MO where local data is thin.
Local home values
Typical home values in St. Louis, MO have risen about 24% over the past 5 years (+3% in the last year), per the Zillow Home Value Index. This reflects the metro market, not this specific home.
View this home on Trulia